Dylan Monger is a financial advisor at Charles Schwab with Series 66 and Series 63 licenses and two years of industry experience. His prior work includes roles at Yelp, ZipRecruiter, Harkins Theatres, and Hibu. Outside of his advisory role, he works as a delivery driver for DoorDash. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combination of non-discretionary advisory relationships alongside access to discretionary separately managed accounts, utilizing multi-asset model portfolios and a formal alternative-investment program.

Jason Covington is a financial advisor with Cetera, holding the CFP® designation and Series 63 and 66 licenses, with 25 years of industry experience. He has worked at Cetera since 2023 and was previously with Schwab Private Client Investment Advisory, Inc. for 10 years. He is the owner of Covington Wealth Strategies LLC, a business affiliated with Cetera. Cetera Investment Advisers LLC is an SEC-registered firm that serves individuals, retirement plans, corporate, charitable, and institutional clients through a large network of independent advisors. The firm offers a range of portfolio management and financial planning services, utilizing a multi-manager platform with access to affiliated and third-party managers and various program structures.

George Denham is a financial advisor at Edelman Financial Engines with two years of industry experience. He holds Series 63 and Series 65 licenses and has worked at several firms including OneAmerica Securities, American United Life, Pembroke Financial Services, and Bordier & Cie (UK). Edelman Financial Engines provides technology-enabled investment advisory and financial planning services for individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified portfolios, periodic rebalancing, and fiduciary oversight under ERISA and DOL guidelines.

Julia Kemmer is a CFP® professional with four years of industry experience, currently advising clients at Charles Schwab in Phoenix, AZ. Prior to joining Schwab in 2021, she worked in various roles including positions at Discount Tire Company and Tempe Chrysler Jeep Dodge. Outside of financial advising, she serves on the board of the Lofts at Arcadia Homeowners Association and leads a personal hobbyist software development business focused on mobile applications unrelated to finance. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory program, offering both non-discretionary and discretionary portfolio management along with integrated brokerage, custody, and advisory services.

Melissa Gest is a financial advisor at Thrivent Investment Management in Phoenix, AZ, holding a Series 66 designation with over 16 years of industry experience. She previously worked at Morgan Stanley for 15 years before joining Thrivent Financial and Thrivent Investment Management in 2026. Thrivent Investment Management provides Dedicated Planning Services to individuals, families, businesses, and nonprofit clients, offering comprehensive written recommendations on topics such as retirement, tax, estate, and business planning. The firm combines goal-based analyses with managed-account programs under a consolidated billing option, while keeping planning and management services separate.

Nathaniel Neill is a financial advisor with Mass Mutual Investors Services in Phoenix, AZ, holding Series 63 and Series 66 designations and having 10 years of industry experience. His prior experience includes roles at Charles Schwab, The Mather Group, Bank of America Merrill Edge, and New York Life. Outside of advising, he owns Kinghart Services LLC, which provides construction guidance on roofing projects. Mass Mutual Investors Services is a broker-dealer and SEC-registered investment adviser serving individuals, business owners, trusts, estates, charitable organizations, and employers. The firm offers financial planning, asset management, and educational seminars, focusing on collaborative, annual planning relationships using firm-approved software and tools.

Bailey Davis is a financial advisor with Cetera, holding a Series 66 credential and five years of industry experience. He has worked at multiple firms within the financial services sector, including Renaissance Financial and Securian Financial Services. Davis also operates Renaissance Financial, where he offers securities, insurance, and advisory services. Cetera Investment Advisers LLC is an SEC-registered adviser serving individual and institutional clients through a large national network of independent advisors. The firm offers a range of portfolio management, financial planning, and retirement services using a multi-manager platform with various program options and custodial arrangements.

Jonathan Schneringer is a financial advisor at Edelman Financial Engines with five years of industry experience and a Series 65 credential. He has been with Edelman Financial Engines since 2021. Outside of advising, he works as a real estate agent and is also a delivery driver for Doordash. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm uses a committee-driven proprietary modeling process combined with planner delivery and online tools, offering both discretionary and non-discretionary management with a focus on diversified portfolios, periodic rebalancing, and long-term investment orientation.

Martha Prieto Hernandez is a financial advisor with Raymond James Financial Services Advisors, Inc. She holds Series 63 and Series 65 licenses and has four years of industry experience. Her prior work includes roles at Desert Financial Wealth Management, Desert Financial Credit Union, JPMorgan Chase Bank, and Wells Fargo. Raymond James Financial Services Advisors, Inc. provides financial planning, investment consulting, and advisory services to a diverse client base, including individuals, high-net-worth clients, pension plans, corporations, and institutional clients. The firm offers non-discretionary planning tailored to client goals and supports its recommendations through various advisory programs and affiliated advisory firms.

Julia Hearn is a financial advisor at Edward Jones with 13 years of industry experience and holds a Series 66 designation. She has been with Edward Jones since 2011. Edward Jones is a full-service wealth management firm serving more than four million individual and institutional clients, offering a range of advisory programs, including discretionary and non-discretionary wrap fee strategies, separately managed accounts, and affiliated mutual funds. The firm manages approximately $1.01 trillion in assets under management and operates a nationwide network of over 23,700 financial advisors and 15,000 branch offices.

George Yanez is a financial advisor with Charles Schwab in Phoenix, AZ, holding Series 63 and Series 66 credentials and bringing 18 years of industry experience. His career includes tenures at various Schwab entities and Unionbanc Investment Services LLC. Outside of finance, he worked as a freelance musician for nearly two decades. Charles Schwab serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts, offering multi-asset model portfolios and a structured approach to alternative investments.

Alexander Hennessey is a financial advisor at Charles Schwab with seven years of industry experience. He holds a Series 66 designation and has worked at Charles Schwab & Co., Inc. since 2018. Prior to that, he was associated with the United Association of Mobile Contract Cleaners from 2016 to 2018. Charles Schwab & Co., Inc. serves a large client base, primarily high- and ultra-high-net-worth individuals, offering wealth advisory, managed accounts, and financial planning services through its Schwab Wealth Advisory wrap fee program. The firm combines non-discretionary advisory relationships with access to affiliated discretionary separately managed accounts and employs multi-asset model portfolios supported by research from the Schwab Center for Financial Research.

Christopher Yee is a financial advisor with Charles Schwab in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. He has been with Charles Schwab since 2016. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and uses a multi-asset model portfolio approach supported by centralized operational and supervisory infrastructure.

Michael East is a financial advisor with Robert W. Baird & Co. in Phoenix, AZ, holding Series 63 and Series 65 licenses and bringing 33 years of industry experience. His prior roles include positions at Moors & Cabot, Inc. and Wells Fargo Investments, LLC. Outside of advising, he is involved as an LLC member of Dirtbag's Bar and owns East Private Equity LLC. He is part of The DDK Group, a team within Baird’s Private Wealth Management practice that serves individuals, families, pensions, corporations, and institutional clients. The group provides a range of consulting and portfolio services tailored to client goals, utilizing both in-house and third-party managers across traditional and non-traditional investment strategies.

Alice Kasel is a financial advisor at Fidelity with 28 years of industry experience. She holds the Series 63 and Series 66 designations and has worked in various divisions of Fidelity since 2000. Strategic Advisers LLC, a Fidelity Investments company, provides investment management and advisory services to retail and institutional clients, including fund advisory and model portfolio construction. The firm uses a combination of fundamental research, quantitative analysis, and algorithmic portfolio construction to serve its clients.

Tyson Tibshraeny is a financial advisor at UBS Financial Services with 40 years of industry experience. He has been with UBS since 1984 and holds Series 63 and Series 65 licenses. Outside of his advisory role, he is involved as a partner in a family real estate partnership and manages an investment LLC benefiting his son, as well as a computer consulting business. UBS Financial Services serves individual, corporate, and institutional clients through a combination of brokerage and investment advisory offerings, utilizing proprietary capital market assumptions and model-based asset allocations to tailor financial plans. The firm combines institutional trading capabilities with wealth management services, including futures commission merchant activities, principal trading, and market-making.

John Czelusniak Jr. is a financial advisor at Edelman Financial Engines in Phoenix, AZ, holding a Series 65 designation with four years of industry experience. He has worked at Financial Engines Advisors L.L.C. since 2021 and has prior experience at Infosys BPM, Randstad, Consolidated Container Company, Costco, and Amazon. Outside of finance, he operated a handyman business for six years. Edelman Financial Engines provides technology-enabled investment advisory services focused on workplace retirement accounts, IRAs, taxable accounts, and institutional clients. The firm manages both model-based and customized portfolios and serves a large client base through advisor-led and online offerings.

Anthony Ludtka is a financial advisor with Charles Schwab based in Phoenix, AZ, holding a Series 66 designation and seven years of industry experience. His career includes roles at Charles Schwab Bank and Charles Schwab since 2018, as well as prior positions in various fields such as solar energy and commercial systems analysis. Charles Schwab & Co., Inc. serves primarily high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm offers a combined non-discretionary and discretionary investment guidance model, utilizing multi-asset portfolios and due diligence on alternative investments, supported by a large-scale, integrated operational structure.

William Mcelroy is a financial advisor with Edelman Financial Engines based in Phoenix, AZ. He holds Series 63 and Series 65 licenses and has 12 years of industry experience, including 10 years with Financial Engines Advisors L.L.C. at the same firm. Edelman Financial Engines provides technology-enabled investment advisory and financial planning services to individual investors, retirement-plan participants, and institutional clients. The firm combines proprietary modeling with planner delivery and online tools, offering diversified model portfolios and both discretionary and non-discretionary management options.

Christopher Barozie is a financial advisor with Charles Schwab & Co., Inc. in Phoenix, AZ, holding a Series 66 designation and bringing 23 years of industry experience. His previous roles include positions at USAA Investment Management Company and various USAA financial planning and advisory services from 2013 to 2020. Charles Schwab & Co., Inc. serves a large client base primarily composed of high- and ultra-high-net-worth individuals through its Schwab Wealth Advisory wrap fee program and affiliated managed-account and financial planning services. The firm combines non-discretionary advisory relationships with access to discretionary separately managed accounts and offers a multi-asset investment approach supported by research from the Schwab Center for Financial Research.